UNIQA Asigurari S.A.
Around the World
Around the World is a travel insurance for the Romania market with online purchase and 24/7 assistance.
Direct payment
In-trip: CORIS Assistance S.R.L. (the assistance provider) pays medical costs directly on behalf of the insurer when the insured contacts them during travel. If the insured pays out-of-pocket without prior notification, costs are reimbursed upon return to Romania after claim document review.
Geographic scope
Worldwide (excluding Romania, country of citizenship, and country of residence of the insured)
Worldwide coverage for all countries except Romania, the insured's country of citizenship, and country of residence. Roadside assistance limited to Europe and Turkey (European and Asian parts).
Starting price
RON 149
Unique selling points
- Annual subscription model covering unlimited trips worldwide throughout the year, with up to 45 days per trip, at a price starting from 149 RON/year — comparable to the cost of a single week's travel insurance.
- 100% digital issuance in minutes via the Raiffeisen Smart Mobile app, with the policy activatable even after leaving Romania (subject to 3-day deductible).
- Comprehensive base package including 30,000 EUR medical cover, roadside assistance across Europe and Turkey, civil liability (5,000 EUR), baggage protection, document replacement, flight delay compensation, and trip cancellation — all in a single annual policy.
- Family-friendly coverage with up to 4 co-insured family members (partner and/or children) addable to the same policy, with sums insured applying individually to each member even during joint car trips.
- 24/7 worldwide assistance provided by CORIS Assistance S.R.L. with direct payment of medical costs during travel, eliminating the need for the insured to advance large sums out-of-pocket in emergencies.
Coverage limits
Medical treatment abroad
Covered
Covers medically necessary emergency treatment abroad (outpatient consultations, prescribed medications, diagnostic imaging, hospitalisation, emergency surgery) arising from illness or accident during travel. Maximum 30,000 EUR per insured per insurance year.
Emergency medical treatment abroad
Covered
Covers emergency medical assistance including ambulance transport to the nearest hospital or physician, emergency diagnosis and medical consultations, within the overall medical treatment limit of 30,000 EUR per insured per year.
Hospitalisation costs
Covered
Hospitalisation costs are included within the overall medical treatment limit of 30,000 EUR per insured per year. No separate sub-limit is stated in the T&C or product page for hospitalisation alone; it falls under the general medical expenses cap.
Outpatient treatment
Covered
Outpatient treatment is explicitly included (medical consultations, prescribed medications, auxiliary medical materials, radiological diagnostics) within the general 30,000 EUR medical expenses limit. No separate sub-limit stated.
Emergency dental treatment
Covered
Emergency dental treatment (acute pain relief, abscess, emergency extractions) is covered up to a limit specified in the individual policy. The T&C states the limit is set in the policy schedule; no specific EUR amount is published in the T&C text or official product page for this product.
Emergency medical transport
Covered
Covers costs of authorised rescue/ambulance transport to the nearest hospital or medical unit, and transfer costs to a specialist medical facility if medically necessary and prescribed by a physician. Limit as specified in the policy schedule.
Medical repatriation / evacuation
Covered
Covers medical repatriation of the insured from abroad to the nearest Romanian hospital or to their home, when medically necessary and approved by the assistance provider's physician, including escort of a medical companion if recommended. Limit as specified in policy schedule.
Repatriation of mortal remains
Covered
Covers transport of the insured's mortal remains from abroad to Romania (place of burial), including COVID-19 related deaths. Excludes funeral and burial costs. Excludes cases where death resulted from travel for a chronic/pre-existing surgical treatment. Limit as specified in policy schedule.
Search and rescue
Excluded
The T&C and product page do not mention a standalone search and rescue benefit. Emergency transport by authorised rescue services to the nearest hospital is covered under medical assistance (Art. 4.3.1), but a separate search-and-rescue cover is not referenced.
COVID-19 medical treatment
Covered
COVID-19 illness contracted during travel is covered under the same conditions and limits as regular medical expenses. Coverage includes COVID-19 repatriation, mandatory quarantine costs when diagnosed abroad, and trip cancellation/interruption due to COVID-19 illness or COVID-19 quarantine. Events occurring in countries where an epidemic/pandemic was already declared before the insured's entry are generally excluded, but COVID-19 is explicitly excepted from this exclusion.
Pre-existing conditions (limited acute exacerbation)
Conditional
Pre-existing conditions, chronic diseases, and their consequences are generally excluded. Exception: acute exacerbations of chronic conditions recorded in the insured's medical history that require emergency life-saving measures or measures aimed solely at relieving acute pain are covered up to a sub-limit of 1,000 EUR.
Winter sports cover (recreational, on designated slopes)
Covered
Recreational skiing and snowboarding on designated, prepared slopes are explicitly listed as covered recreational sports (sporturi de agrement) in the base policy. Skiing off-piste, in unauthorised locations, or at competition level requires the optional Extreme Sports clause. Covered within the general medical limit.
Extreme sports cover
Optional
An optional supplementary clause ('Clauza Sporturi Extreme') extends coverage to high-risk activities such as mountaineering (up to 4,500 m), bungee jumping, paragliding, skydiving, scuba diving, rafting, BASE jumping, motorsports, and many others. Also covers avalanche accidents during winter sports. Requires additional premium payment. Not included in the base policy.
Pregnancy complications (acute, up to 30 weeks)
Conditional
Routine pregnancy care, terminations, premature births, and fertility treatments are generally excluded. Exception: acute complications arising during pregnancy are covered for medical measures aimed solely at saving the life of the mother and/or child, provided the pregnancy has not exceeded 30 weeks of gestation. No separate monetary limit stated for this sub-coverage.
Civil liability abroad
Covered
Covers legal defence costs and civil liability arising from accidental bodily injury or death of a third party (not a family member, companion or employee) or material damage to property not owned or controlled by the insured. Maximum 5,000 EUR per insured event and in aggregate per insurance year. Excludes: liability towards family members, contractual liability, damage to insured's own property, intentional acts, and use of vehicles/aircraft/watercraft.
Legal assistance
Excluded
A standalone legal assistance benefit is not mentioned in the T&C or product page. Legal defence costs are covered only as part of the civil liability section (Art. 4.6), not as a separate legal assistance coverage.
24/7 worldwide assistance
Covered
CORIS Assistance S.R.L. provides 24/7 medical assistance worldwide (telephone +40 21 201 90 46, email asistentauniqa@coris.ro). POINTER SYSTEMS S.R.L. provides 24/7 roadside assistance (+40 372 461 365). Insured must contact the assistance provider as soon as possible in case of an insured event.
Key conditions
Assistance call deadline
The insured must notify CORIS Assistance as soon as possible after an insured event occurs. In life-threatening emergencies, notification must be immediate. If immediate contact is impossible, the insured must contact the assistance provider as soon as practicable. Failure to notify may result in reduced or refused indemnification. Claims must be submitted to the insurer within 60 days of completion of treatment or transport to the insured's home.
Unauthorized treatment
Medical expenses incurred without prior approval from CORIS Assistance (the assistance provider) will be reimbursed by the insurer only after full document review upon return to Romania. Repatriation costs incurred without the assistance provider's prior approval are not covered. Insurer may reduce or refuse payment if obligations regarding prior notification and approval are not met.
Purchase while abroad
The policy must be concluded on Romanian territory and before the start of the trip abroad. Policies concluded after departure or outside Romania are subject to a mandatory 3-day temporal deductible (franchise temporală obligatorie) calculated from the policy inception date. The policy can be activated via the Raiffeisen Smart Mobile app even after leaving Romania, but the 3-day deductible applies.
Chronic conditions
Chronic diseases, pre-existing conditions, and their consequences are excluded from coverage. Exception: acute exacerbations of chronic conditions already recorded in the insured's medical history that require emergency life-saving measures or that require solely pain relief measures are covered up to a sub-limit of 1,000 EUR (Art. 2.5.a).
Pregnancy
Pregnancy routine care, terminations, premature births, fertility/sterility treatments are excluded. Exception: acute complications arising during pregnancy (up to 30 weeks of gestation) are covered for measures aimed solely at saving the life of the mother and/or child. Pregnancy complications are also an insured risk for trip cancellation/interruption purposes (Art. 4.7.3.h).
Pre-existing condition exclusions
Any condition, illness diagnosed, manifested or treated before the policy inception date is considered pre-existing and is generally excluded. The only exception is acute exacerbations of chronic conditions requiring emergency life-saving intervention or acute pain relief, covered up to 1,000 EUR (Art. 2.5.a). Treatments that can be postponed until return to Romania are not covered.
Coverage duration limit
The policy has a minimum period of 1 year. Multiple successive trips are covered throughout the policy validity period, with a maximum trip duration of 45 consecutive days per trip for tourist or business travel. If a hospitalisation extends beyond the policy expiry date, coverage extends by up to 10 additional days provided the insured can demonstrate medical inability to travel.
Where to buy
Policy specifics
Maximum trip duration
Maximum 45 consecutive days per trip within the annual policy period
Excluded territories
Coverage excludes Romania, the country of citizenship, and the country of residence of the insured person
Emergency dental treatment
Coverage for emergency dental treatment for acute pain or urgent situations arising during the trip
Baggage loss and delay coverage
Coverage for loss or damage to baggage and compensation for baggage delays exceeding specified hours
Flight delay compensation
Compensation for flight delays exceeding 12 hours; compensation amount specified in policy
Lost or stolen document replacement
Coverage for costs of obtaining replacement travel documents (passport, identity card, travel certificate)
Pre-existing medical conditions
Chronic illnesses, pre-existing conditions and their consequences are excluded from coverage unless specifically listed exceptions apply
Age limits for insurability
Main insured must be aged 18-80 years at policy inception; co-insureds aged 0-80 years
Insured event notification obligation
Insured person must report insured events to medical assistance provider as soon as possible, preferably immediately
Medical necessity requirement
Covered medical treatment must be medically necessary and conducted according to scientifically recognized and clinically tested methods in the country where treatment occurs
COVID-19 coverage condition
COVID-19 related events are covered under the same limits as regular medical expenses; coverage applies for testing, treatment and quarantine-related expenses when diagnosed during travel